{"id":78025,"date":"2024-12-11T06:45:19","date_gmt":"2024-12-11T14:45:19","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=78025"},"modified":"2024-12-11T06:45:25","modified_gmt":"2024-12-11T14:45:25","slug":"bank-of-canada-december-2024-rate-cut-game-on-for-home-buyers","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/mortgages\/bank-of-canada-december-2024-rate-cut-game-on-for-home-buyers","title":{"rendered":"Bank of Canada Rate Cut: It’s Game On For Home Buyers"},"content":{"rendered":"\n

The Bank of Canada handed down another aggressive interest rate decision today, shearing 50 basis points from both the overnight lending rate and the country\u2019s variable mortgage rates. <\/p>\n\n\n\n

Not long ago, these supersized cuts were seen as risky. Enticing home buyers with lower borrowing costs threatened to inflame the housing market and drive inflation higher. With GDP struggling and dark clouds looming over the economy, jolting the housing market might be the Bank\u2019s only way of generating some immediate economic traction. <\/p>\n\n\n\n

October\u2019s rate cut<\/a>, also a 50-pointer, invigorated housing markets across the country, with sales in Vancouver, Montreal and Toronto all notching significant annual gains. Today\u2019s cut is a little different, though, as it comes days before two potentially disruptive new mortgage rules<\/a> come into effect.\u00a0<\/p>\n\n\n\n

The combined impact of lower rates and less stringent lending guidelines could be a game-changer \u2014 for some buyers, anyway. <\/p>\n\n\n\n

What does the December rate cut mean for mortgages?<\/h2>\n\n\n\n\n\n\n

Once the Bank\u2019s decision is absorbed by the country\u2019s lenders, variable mortgage rates will fall by 0.5%. By this time tomorrow, brokers\u2019 lowest advertised variable rates<\/a> should be around 4.3%. They\u2019ll be considerably higher at Big Six banks.  <\/p>\n\n\n\n\n

In terms of improving mortgage affordability, a 0.5% rate reduction won\u2019t move the needle for most buyers. The difference between how much home you can afford at 5% and 4.5% might be around $30,000, depending on your income and the size of your down payment<\/a>. <\/p>\n\n\n\n

If you\u2019re a homeowner paying off a variable-rate mortgage, you\u2019ll get some relief from today\u2019s rate cut. On a $400,000 mortgage with a 25-year amortization, your monthly payment should drop by at least $100 \u2014 and that\u2019s on top of the savings generated by the Bank\u2019s previous four cuts this year. <\/p>\n\n\n\n\n

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Find the Best 5-Year Fixed Mortgage Rates<\/span>
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Browse Current Mortgage Rates<\/span>
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Compare Variable Mortgage Rates<\/span>
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How will the BoC\u2019s rate cut affect home prices?<\/h2>\n\n\n\n

It might not be realistic to expect the same sales bump from the December rate cut that October\u2019s created in November.<\/p>\n\n\n\n

While both cuts were equally significant, Christmas is a-coming, which brings with it multiple days of downtime for buyers, sellers, real estate agents and mortgage professionals. The market will be far busier than it was last December, but it might struggle to compete with November 2024 in terms of sales increases. <\/p>\n\n\n\n

Price appreciation over the next several weeks should be minimal. Between rising inventory in major markets and holiday commitments, bidding wars should be kept to a minimum. Price increases following the Bank\u2019s October rate cut were generally modest. The benchmark sale price in Calgary, for example, was up 3.5% year-over-year in November. The average price in Toronto grew by only 2.6%.\u00a0<\/p>\n\n\n\n

That doesn\u2019t mean you should sit back and wait for January before moving on a home purchase. The market\u2019s only going to get busier, so consider dedicating a few hours of your holiday to squeezing in a mortgage pre-approval<\/a>.<\/p>\n\n\n\n

December 15: When rates and rules collide<\/h2>\n\n\n\n

Parsing the effect the Bank of Canada\u2019s latest decision will have on winter home sales could be tricky, as it comes only days before new mortgage rules intended to improve affordability kick in. <\/p>\n\n\n\n

On December 15, 2024, the insured mortgage limit will increase from $1 million to $1.5 million, while 30-year amortizations<\/a> will be available for first-time and pre-construction home purchases. The former will create smaller down payment requirements for expensive properties, the latter will lower short-term mortgage costs for eligible buyers.<\/p>\n\n\n\n

These new rules will make buying a home more attainable, but not necessarily more affordable.<\/p>\n\n\n\n

Buyers might be able to get into a million-dollar house with a $75,000 down payment (instead of the $200,000 currently required), but only high-earning households will qualify for the resulting mortgages. Longer amortizations will shrink mortgage payments and make qualifying easier, but they\u2019ll also generate tens of thousands of dollars in additional interest costs.<\/p>\n\n\n\n

On their own, these rules would likely have a modest impact on the winter housing market. Million-dollar-plus properties aren\u2019t common in most markets; slightly lower mortgage payments won\u2019t be enough to get all first-timers over the finish line.<\/p>\n\n\n\n

But combine them with five rate cuts and whatever further reductions the Bank has in store for early 2025  and the winter market looks set to be busier than it\u2019s been in years.<\/p>\n\n\n\n

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\n\t\t\tAbout the Author\t\t<\/h4>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tClay Jarvis<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t

Clay Jarvis is NerdWallet\u2019s mortgage and real estate expert in Canada. Thus far, his entire professional writing career has revolved around real estate. Prior to joining NerdWallet, he was the…<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tRead more about Clay Jarvis and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t

\n\t\t\t\t\t

\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t
\n\t\t\t
\n
\n\t
\n\t\t\t\n\t\t\"Everything\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tEverything You Need To Know About Canada\u2019s 2025 Housing Market\t<\/a>\n<\/h4>\n\n\t
\n\t\t

Learn how new mortgage rules, lower interest rates and slashed immigration targets will affect home buyers.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"Mortgage\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tMortgage Arrears Rates Are Up in These Cities: Here\u2019s What You Can Control\t<\/a>\n<\/h4>\n\n\t
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Taking stock of your financial health and being candid with your lender can help you protect your home and credit.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Beth Buczynski<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"Why\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tWhy Negotiating Your Mortgage Renewal Rate Is A Must\t<\/a>\n<\/h4>\n\n\t
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Never accept your lender\u2019s initial renewal rate. Negotiating could save you thousands of dollars over the course of your mortgage\u2019s next term. <\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Clay Jarvis<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"Calculator:\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tCalculator: How Much Mortgage Can You Afford?\t<\/a>\n<\/h4>\n\n\t
\n\t\t

Use our mortgage affordability calculator to see how your interest rate, down payment and debt ratios affect your housing budget.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"

The Bank of Canada\u2019s aggressive December rate cut should add fuel to Canada\u2019s re-ignited housing market.<\/p>\n","protected":false},"author":12,"featured_media":78026,"parent":106,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/article-sidebar.php","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"2024-12-11T14:45:23Z","apple_news_api_id":"1cb331f3-6b2a-4720-a3c1-71b628d2b966","apple_news_api_modified_at":"2024-12-11T14:45:23Z","apple_news_api_revision":"AAAAAAAAAAD\/\/\/\/\/\/\/\/\/\/w==","apple_news_api_share_url":"https:\/\/apple.news\/AHLMx82sqRyCjwXG2KNK5Zg","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"[]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[16],"topic":[121],"cluster":[246],"pp_author":[87],"acf":[],"apple_news_notices":[],"yoast_head":"\nBoC December Rate Cut: Game On for Home Buyers - 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